<![CDATA[Macroprudential policy has a goal to confine the risk and price from crises systemic, especially in managing financial stability amidst the COVID-19 pandemic. One of its instruments is Loan to Value (LTV). Ratio of LTV is a ratio between value of credit or cost that can gave from Bank Conventional or Syariah towards collateral value as property. This study aims in getting to know about its influence on citizen to take Kredit Kepemilikan Rumah (KPR). Based on the data from Central Bank Indonesia (BI) would be found about the increasing ratio of LTV yoy. The data set in this study derived from five bank with the data range being from 2014 to 2020. According to the characteristic data that will be used, thus one of the algorithm machine learning that is Support Vector Regression (SVR) was chosen as an approach to observe this trend. By using this method, the result indicated which bank that had been influenced by LTV ratio. Category of the bank who got impact are the bank that had the reverse influence between credit value of home ownership, they are Foreign Bank, Mixed Bank, Bank Persero, Bank Swasta, and Bank Perkreditan Rakyat.]]>
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